Can I Sell My Boston House in Foreclosure?

How we help you work toward closing

USA Home Buyers buys houses in Boston and throughout Suffolk County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

No fees. No agent commissions when you sell to us. No listing-agent showings. You get a written offer and written terms before you commit, and we close through a title company. We review title, payoff, occupancy, seller authority and closing details as we work toward closing. If a mortgage auction is scheduled, we use the agreement to ask for a postponement while the sale is prepared.

Which sale is involved?

Most Massachusetts mortgage foreclosures use a power of sale: the lender or its representative can hold a public auction without a judge deciding the foreclosure itself. A lender usually files a Servicemembers case in Land Court first; it checks whether the owner is protected as a servicemember. See the state’s mortgage-foreclosure explanation and the Land Court’s Servicemembers case FAQ.

If you own an eligible owner-occupied home with one to four units, state law gives you 90 days to cure the default before the lender can accelerate the loan. This right is available once in a five-year period. For certain riskier loans, a loan-modification review can extend that period to as long as 150 days. See Chapter 244, Section 35A on the right to cure and Section 35B on foreclosure-avoidance review for certain loans.

The mortgage-auction notice must be published once a week for three weeks, starting at least 21 days before the auction, and mailed to the owner at least 14 days before. The right to redeem ends at a power-of-sale auction. See the rules for sale notice and auction and redemption at a power-of-sale foreclosure.

A tax-title foreclosure for unpaid property taxes is separate from a mortgage foreclosure and has its own notices and deadlines under Chapter 60, separate from mortgage foreclosure under Chapter 244. Follow the dates on each notice; a mortgage-sale postponement does not itself change a tax-title deadline.

What happens next

1. Call or send the form with the property address. If a mortgage auction is scheduled, tell us the date so we can focus on timing.
2. We review the property, title, payoff, occupancy and seller authority, then give you written terms before you decide.
3. If you accept, we close through a title company while working through title, payoff and closing details.

Close as fast as 7 days when title and closing details allow.

It's real estate. Sometimes there are bumps in the road. We won't disappear when that happens, and we'll be fighting to get this to the closing table.

Suffolk County land records

The Suffolk Registry of Deeds provides public access to county land records. We work through title and payoff details with the title company; you do not need to search the records before contacting us.

Questions and contact

Compare possible sale proceeds with the Boston home-sale calculator.